Tide Logo
Tide Logo
Tide Logo
Tide Logo

How to invest with Tide

Investment options are provided in partnership with P1 Investment Services and Seccl.

This guide shows you how to:

  • Choose between Growth and Balanced funds

  • Deposit or withdraw your money

  • Review a few tax considerations

Note: Unlike a savings account, the value of your investments can go down as well as up, and your capital is at risk.

Your investment options

You can invest your extra business cash into curated institutional-grade, non-complex mutual funds managed by Vanguard. This means you can diversify your portfolio, while maintaining the risk level.

You can choose from:

Balanced Fund (Moderate Risk)

60% equity and 40% bond fund

Growth Fund (High Risk)

100% global equity fund

Who is eligible to open an investment fund?

Who is eligible to open an investment fund?

It is available to UK-based:

  • Sole Traders

  • Limited Companies – you don't need a Legal Entity Identifier (LEI) to open an account

The funds aren't available to individuals for personal use, charities, or businesses in financial distress.

How to open your investment fund

How to open your investment fund

  1. Tap Pay and select your Savings and investments account

  2. Choose between Balanced or Growth funds

  3. Tap Start investing

  4. Review all relevant information

  5. Tap Done and make your first deposit

How to manage your investment funds

How to manage your investment funds

Deposit to

  1. Tap Pay and select your Savings and investments account

  2. Tap Deposit

  3. Choose the fund the money is going to

  4. Enter the amount

  5. Tap Confirm – your settlement may arrive in up to 4 working days

Withdraw from

  1. Tap Pay and select your Savings and investments account

  2. Tap Withdraw

  3. Choose the fund you're withdrawing from

  4. Enter the amount

  5. Tap Confirm – your settlement may arrive in up to 4 working days

View your statements

View your statements

  1. Select your Savings and investments account

  2. Tap on the specific fund (Balanced or Growth fund)

  3. Tap Statements and documents

  4. Select from Statements (Ad hoc valuation, Quarterly statements, or Annual valuation statements) or Documents (Product illustration or Costs and charges)

Understand a few key tax considerations

Understand a few key tax considerations

How is the income from your investments taxed?

This depends on the type of fund you hold and your specific business structure:

  • Dividend Income (Equity Funds) – treated as dividend income. If you operate as a Limited Company, these are often exempt from Corporation Tax

  • Interest Income (Bond Funds) – typically treated as interest income and may be subject to tax

HMRC classifies both Balanced Fund and Growth Fund as Equity Funds.

Will you have to pay tax when selling your investment?

Any profit you make from selling your fund units may be subject to tax – either Corporation Tax on chargeable gains for Limited Companies, or Capital Gains Tax for Sole Traders.

Could investing impact your "Trading Company" status?

HMRC may no longer classify you strictly as a "trading company", if your investment becomes substantial relative to your core business operations. For example, if you hold significant amounts of long-term idle cash or generate high non-trading income.

This could impact your eligibility for certain valuable business tax reliefs.

Tax treatment varies depending on if you are a Sole Trader or a Limited Company, as well as your individual circumstances. Tax laws can also change. We always recommend consulting a qualified tax adviser or accountant for guidance specific to your business situation.

We offer an Execution-Only service

We offer an Execution-Only service

We don't offer financial recommendations or tax advice. You must decide which risk level is appropriate for your business.

If you are unsure whether an investment is right for your business, you should speak with an independent financial adviser.

Your money is safe in your investment funds

Your money is safe in your investment funds

It is held with SECCL and is legally segregated from both Tide’s and SECCL’s own assets.

When it's not invested, the cash held within your account is protected by the Financial Services Compensation Scheme (FSCS) – up to £120,000 per eligible claim.

Note that you can't transfer your existing investments from another provider to Tide.

Fund fees

Fees are calculated daily and collected monthly from your investment account. You will also pay a small fund management fee (0.2%) directly to Vanguard, which is reflected in the value of your investments.

There are no hidden buy or sell commissions or transaction fees.

 
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Annual platform fee

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0.30%

Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.